annual enrollment for plan year 2015. session purpose topics to discuss annual enrollment dates plan...

Annual Enrollment forPlan Year 2015

Session Purpose

Topics to Discuss

Annual Enrollment Dates

Plan Design/Premium Changes for AE 2015

GaBreeze AE Communications

Reminders

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2015 Annual Enrollment Dates:

Monday, October 27th* - Friday, November 14th**

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* Opens at 1:00 a.m. EST **Closes at midnight

Plan Changes for AE 2015


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Specified Illness Plans – Aflac/CAIC

The current vendor will be changing its branding to Aflac/CAIC

Rate reductions to the Employee Specified Illness (Select & Select Plus options)

New! coverage levels added to the Spouse Specified Illness for the Select & Select Plus options

– $20,000, $30,000, $40,000, and $50,000

Spouse Specified Illness guaranteed issue level will be $30,000

– EOI required for Spouse enrolling in $40,000 or $50,000 levels

– If denied, coverage will default to the current level for PY 2014

Reminder: Coverage for Spouse Specified Illness cannot exceed coverage level for Employee Specified Illness and cannot be of a different plan (e.g. Employee Select and Spouse Select Plus)


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Specified Illness Plans – Aflac/CAIC

Additional enhancements effective January 1, 2015, include:

– Benefits no longer reduce by 50% when you reach age 70

– New Waiver of Premium Benefit included in 2015

Additional and Re-Occurrence benefits, other than Cancer, will only require a 90 day interval between diagnosis

– Previously, six months to one year between diagnosis

- Waiting periods for the purchase of additional coverage have been waived from the plan


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Dental Plans – Cigna

New features effective January 1, 2015:

– TMJ diagnosis and treatment, including custom mouthpiece or bite plate therapy

– Athletic mouth guards

– Cone beam CT X-rays, where applicable

– Expanded coverage for periodontal maintenance

– Lower teeth whitening copay

– Additional applications of fluoride and fluoride varnish at a minimal copay

– Coverage for same-day, in-office CAD/CAM services for crowns, inlays, onlays, post and cores and

– Veneers


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Legal Plans – Hyatt

Select Plus Plan – new services effective January 1, 2015:

– Security deposit assistance (for tenants)

– Protection from domestic violence

Network of attorneys has increased nationwide to 13,000 with over 450 attorneys within the State of Georgia

New Hyatt mobile app for plan members available on Android phones and on Google Play


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Spending Accounts – Relation to the Health Saving Account

Employees who enroll in the High Deductible Health Plan AND enroll in a Health Savings Account (HSA) will not be eligible to enroll in a Health Care Spending Account

If an employee does enroll in a HCSA in error, it will be necessary for them to contact the Gabreeze Call Center and request an Appeal Form to submit to DOAS

– The form will be received/reviewed by DOAS

– Gabreeze will be notified to deactivate the Spending Account

GaBreeze Annual Enrollment Communications & Website Reminder

Annual Enrollment Communications by GaBreeze

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COMMUNICATION DATE

Create AE e-mails On GaBreeze (For Actives with preferred e-mail only) October 21 – 22

Mail Enrollment Post Card (Active w/o preferred e-mail, All Retirees, LOA and COBRA)

October 21 – 22

Mail Enrollment Post Card (Active w/o preferred e-mail on file)- Passive e-mail October 21 – 22

Send AE reminder e-mail notifications (Active/Leave/COBRA with preferred e-mail address on file)

November 3

Print Confirmation of Enrollment statements, Beneficiary Confirmation Notices upon enrollment (Notes: ¹GaBreeze Website enrollees will not receive a confirmation of enrollment. ²COE will not show the $3.20 admin fee in the HCSA monthly price tag)

November 21

Mail Confirmation of Enrollment statements, Beneficiary Confirms, Conversion/Portability, COBRA Rights Spouse Notices (if applicable)

November 21

GaBreeze Website Reminder for AE 2015

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GaBreeze Confirmation Number

Employees will receive a Confirmation Number upon successful completion of their online Annual Enrollment on the Completed Successfully page on the GaBreeze Website

Additional changes will be permitted online during the remainder of the Annual Enrollment period.

– Employees will retain the same Confirmation Number

– Date/Time Stamp will update to reflect the most recent completion

Employees should print a copy of the Confirmation Number page for their records

Annual Enrollment Reminders

Reminders for AE 2015

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Annual Enrollment Materials from DOAS

You Decide! Booklet

Benefits At-a-Glance Brochure

What’s New for 2015?

NOTE: Annual Enrollment materials will be posted online by Monday, October 13th

– Materials will be available on the GaBreeze and Team Georgia web sites


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Life Plans – MetLife

Current employees electing Life insurance for the first time OR wishing to increase their current level of coverage will be required to complete the online Statement of Health (SOH)

– No paper form will be issued by Metlife

Employees wishing to enroll in Spouse Life or increase the current level of spouse coverage will be required to complete the online Statement of Health (SOH)

– Employees are required to pre-register their spouse on the Gabreeze website

– Spouse will receive an email from Metlife with instructions for completing the SOH online; no paper form


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Annual Benefit Base Rate (ABBR) for PY 2015

ABBR Salary entry deadlines

– SAO agencies should submit to GaBreeze by Friday, October 3rd

If an employee’s ABBR salary changes after October 1st,

– All agencies will use the “Frozen Annual Benefit Salary Correction” Smart Form

For additional questions, contact HRA assist team


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GaBreeze Website (Pre-Annual Enrollment)

Employees should be encouraged to go online as soon as possible to verify and/or update their passwords

Employees should be encouraged to include an email address (work or personal) on their Gabreeze accounts

– Update email addresses on the “Personal Information” section of the “Your Profile” page

– Quicker response time to receive password updates from Gabreeze

Gabreeze will provide a reminder for employees to enroll in Health Benefits

– Link to the DCH Annual Enrollment site will be on GaBreeze


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GaBreeze Website (Annual Enrollment)

Employees who make and/or update beneficiary designations during AE will see the changes become effective January 1st

– Text box will appear indicating the 1/1 effective date of changes

– Employees who require their beneficiary designations to be effective prior to January 1st will need to contact the Call Center

Employees should be encouraged to complete the online Benefit Survey

– Link will be provided at the end of the Annual Enrollment process

– Responses will help provide insight in what types of improvement employees would like to see in the Flexible Benefits Plan


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New Hires During Annual Enrollment

Employees, who are hired by November 1, 2014, will have two enrollment periods: Plan Year 2014 and Plan Year 2015

– Current Plan Year for benefits effective December 1st

– New Plan Year for benefits effective January 1st

New hires who make elections only for Plan Year 2014 will have their benefits rollover for Plan Year 2015, excluding Spending Accounts

– New hires selecting a Spending Account for PY 2014 must make the election in Gabreeze for PY 2015; no rollover

Pending Enrollment Report on ERWS will assist agencies

– New hires and/or current employees who have not completed Annual Enrollment

– Report will be produced daily during the Annual Enrollment period


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Employees returning from Leave of Absence Without Pay

Employees, who go on a Leave of Absence Without Pay and cross Plan Years, will be given an enrollment opportunity upon return to Active status

– If the employee paid premiums while on LOA, and makes no changes during their enrollment period upon return to Active Status, benefits will rollover into the new Plan Year with the exception of Spending Accounts


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Employees returning from Leave of Absence Without Pay

If the employee failed to pay, no coverage will show on GaBreeze

Employee will be given an enrollment opportunity subject to applicable penalties

HR should verify if an employee paid premiums during the LOA

– “View Flex Plan Coverage History” via the Employer Web Site

– Do not reinstate deductions unless indicated by Gabreeze on the Financial Report

– If employee makes benefit selections upon return, Gabreeze will report new deductions via the Financial Report


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End of the Year Terminations (after the 16th of December)

If an employee terminates from employment after December 16th, the agency should not take deductions for January’s coverage

If deductions are taken by the agency, a refund of premiums should be processed to the employee, including any potential Health Care or Dependent Care Spending Accounts contribution deducted on December 15th

Employee’s coverages will end as of December 31st

Employees retiring effective January 1st who are NOT currently enrolled in a dental option, and elects a dental option during Annual Enrollment is not eligible for coverage for the new Plan Year.

– If deductions are taken by the agency, a refund of premiums should be processed

Support Avenues (Employees/Participants)

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Benefits Call Center

1-877-342-7339Monday – Friday, 8:00 am – 5:00 pm ET

excluding holidays

GaBreeze Website

www.gabreeze.ga.gov

Link on Team Georgia Flexible Benefits tab

Support Avenues (Agency Contacts)

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Barbara Heard

– 404 651-6084 or [email protected]

Chris Barfield


Valencia Timmons


Patricia Applewhite


Final Questions

annual enrollment for plan year 2015. session purpose topics to discuss annual enrollment dates plan...

Documents

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plan changes

plan year

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different plan

specified illness

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